Affirm Investor Day Presentation Deck

Expansion driven by both merchant and consumer pull Our merchants are asking us to expand with them and our consumer value prop resonates across markets ● ● ● Deepen key merchant and partner relationships Our large North American merchants have global businesses and are seeking a global partner We cement our merchant relationships by serving the merchant in multiple geographies These relationships also give us a path to scale and minimize risk in new markets AFFIRM | 2023 Bring honest finance to tens of millions of new consumers Providing honest financial products is differentiated vs. many incumbent players (no late fees or gotchas, overall customer alignment) Market dynamics vary, but our approach and consumer value proposition has a universal appeal Affirm can offer a wider range of financing options vs. other competitors d affirm 46

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